Home > First Bank & Trust > Performance and Condition Ratios
First Bank & Trust, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 489 |
| Cost of funding earning assets | 0.6125% | 2,528 |
| Net interest margin | 4.4997% | 373 |
| Noninterest income to average assets | 1.4630% | 544 |
| Noninterest expense to average assets | 3.3845% | 812 |
| Loan and lease loss provision to assets | 0.4027% | 871 |
| Net operating income to assets | 1.4323% | 1,028 |
| Return on assets (ROA) | 1.4731% | 1,040 |
| Pretax return on assets | 1.9351% | 589 |
| Return on Equity (ROE) | 12.3966% | 1,277 |
| Retained earnings to average equity (ytd only) | 2.2029% | 3,860 |
| Net charge-offs to loans | 0.1478% | 996 |
| Credit loss provision to net charge-offs | 345.6341% | 1,623 |
| Earnings coverage of net charge-offs (x) | 19.6195% | 1,932 |
| Efficiency ratio | 57.5811% | 3,725 |
| Assets per employee ($millions) | 6.3448% | 1,962 |
| Cash dividends to net income (ytd only)* | 82.2301% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 1,903 |
| Loan loss allowance to noncurrent loans | 65.9016% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.6511% | 489 |
| Noncurrent loans to loans | 2.0699% | 580 |
| Net loans and leases to total assets | 78.6800% | 750 |
| Net loans and leases to deposits | 92.1699% | 1,057 |
| Net loans and leases to core deposits | 97.2302% | 1,361 |
| Total domestic deposits to total assets | 85.3641% | 2,293 |
| Equity capital to assets | 11.2560% | 2,186 |
| Core capital (leverage) ratio | 9.9031% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,100,687,750 | 795 |
| Average earning assets | $1,029,256,250 | 786 |
| Average equity | $130,795,750 | 754 |
| Average total loans | $867,836,250 | 734 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 569 |
| Cost of funding earning assets | 0.7048% | 2,350 |
| Net interest margin | 4.4992% | 503 |
| Noninterest income to average assets | 1.3210% | 593 |
| Noninterest expense to average assets | 3.3859% | 873 |
| Loan and lease loss provision to assets | 0.5192% | 665 |
| Net operating income to assets | 1.2283% | 1,556 |
| Return on assets (ROA) | 1.2906% | 1,496 |
| Pretax return on assets | 1.6940% | 1,013 |
| Return on Equity (ROE) | 10.6596% | 1,754 |
| Retained earnings to average equity (ytd only) | 10.6596% | 664 |
| Net charge-offs to loans | 0.1683% | 884 |
| Credit loss provision to net charge-offs | 392.8571% | 1,422 |
| Earnings coverage of net charge-offs (x) | 16.1499% | 1,873 |
| Efficiency ratio | 59.1369% | 3,536 |
| Assets per employee ($millions) | 6.3418% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 1,614 |
| Loan loss allowance to noncurrent loans | 61.9246% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.7391% | 478 |
| Noncurrent loans to loans | 2.2481% | 554 |
| Net loans and leases to total assets | 76.2852% | 1,086 |
| Net loans and leases to deposits | 88.1198% | 1,545 |
| Net loans and leases to core deposits | 94.9168% | 1,668 |
| Total domestic deposits to total assets | 86.5699% | 1,781 |
| Equity capital to assets | 11.8032% | 1,780 |
| Core capital (leverage) ratio | 10.4258% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,080,550,333 | 797 |
| Average earning assets | $1,008,501,333 | 778 |
| Average equity | $130,830,000 | 753 |
| Average total loans | $848,386,000 | 739 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4489% | 416 |
| Cost of funding earning assets | 0.9012% | 1,859 |
| Net interest margin | 4.5476% | 451 |
| Noninterest income to average assets | 1.1004% | 709 |
| Noninterest expense to average assets | 3.4957% | 943 |
| Loan and lease loss provision to assets | 0.1605% | 1,800 |
| Net operating income to assets | 1.2796% | 1,298 |
| Return on assets (ROA) | 1.2796% | 1,394 |
| Pretax return on assets | 1.6800% | 889 |
| Return on Equity (ROE) | 10.4247% | 1,604 |
| Retained earnings to average equity (ytd only) | 10.4247% | 659 |
| Net charge-offs to loans | 0.0739% | 1,285 |
| Credit loss provision to net charge-offs | 274.5098% | 1,238 |
| Earnings coverage of net charge-offs (x) | 31.4837% | 1,148 |
| Efficiency ratio | 63.1605% | 3,348 |
| Assets per employee ($millions) | 5.9086% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,419 |
| Loan loss allowance to noncurrent loans | 118.5510% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 1,615 |
| Noncurrent loans to loans | 1.0505% | 1,579 |
| Net loans and leases to total assets | 78.1382% | 958 |
| Net loans and leases to deposits | 91.0573% | 1,400 |
| Net loans and leases to core deposits | 99.3914% | 1,523 |
| Total domestic deposits to total assets | 85.8121% | 2,083 |
| Equity capital to assets | 12.2337% | 1,894 |
| Core capital (leverage) ratio | 10.8977% | 2,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,046,894,500 | 793 |
| Average earning assets | $975,104,500 | 775 |
| Average equity | $128,503,000 | 754 |
| Average total loans | $828,573,500 | 725 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8513% | 296 |
| Cost of funding earning assets | 1.0958% | 1,342 |
| Net interest margin | 4.7555% | 421 |
| Noninterest income to average assets | 1.1623% | 695 |
| Noninterest expense to average assets | 3.5128% | 950 |
| Loan and lease loss provision to assets | 0.2095% | 960 |
| Net operating income to assets | 1.3945% | 1,358 |
| Return on assets (ROA) | 1.3945% | 1,433 |
| Pretax return on assets | 1.8269% | 879 |
| Return on Equity (ROE) | 11.5666% | 1,664 |
| Retained earnings to average equity (ytd only) | 8.2155% | 908 |
| Net charge-offs to loans | 0.1838% | 1,095 |
| Credit loss provision to net charge-offs | 144.6281% | 1,776 |
| Earnings coverage of net charge-offs (x) | 14.0592% | 2,306 |
| Efficiency ratio | 60.9448% | 3,544 |
| Assets per employee ($millions) | 5.6593% | 1,914 |
| Cash dividends to net income (ytd only)* | 28.9720% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,081 |
| Loan loss allowance to noncurrent loans | 95.2341% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0529% | 1,183 |
| Noncurrent loans to loans | 1.3299% | 1,126 |
| Net loans and leases to total assets | 78.1664% | 1,056 |
| Net loans and leases to deposits | 90.7371% | 1,511 |
| Net loans and leases to core deposits | 99.0498% | 1,643 |
| Total domestic deposits to total assets | 86.1461% | 2,008 |
| Equity capital to assets | 12.3175% | 1,941 |
| Core capital (leverage) ratio | 10.8841% | 2,606 |
| Tier 1 risk-based capital ratio | 12.7032% | 3,947 |
| Total risk-based capital ratio | 13.9035% | 3,859 |
| Memoranda: | ||
| Average total assets | $1,002,462,400 | 783 |
| Average earning assets | $924,763,000 | 778 |
| Average equity | $120,856,600 | 754 |
| Average total loans | $790,148,200 | 721 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8756% | 307 |
| Cost of funding earning assets | 1.1187% | 1,278 |
| Net interest margin | 4.7569% | 448 |
| Noninterest income to average assets | 1.1855% | 652 |
| Noninterest expense to average assets | 3.5796% | 872 |
| Loan and lease loss provision to assets | 0.1672% | 1,113 |
| Net operating income to assets | 1.3836% | 1,518 |
| Return on assets (ROA) | 1.3836% | 1,588 |
| Pretax return on assets | 1.8218% | 1,030 |
| Return on Equity (ROE) | 11.5407% | 1,789 |
| Retained earnings to average equity (ytd only) | 8.1385% | 1,335 |
| Net charge-offs to loans | 0.1221% | 1,284 |
| Credit loss provision to net charge-offs | 173.8526% | 1,469 |
| Earnings coverage of net charge-offs (x) | 20.6857% | 1,945 |
| Efficiency ratio | 61.9188% | 3,337 |
| Assets per employee ($millions) | 5.8125% | 1,749 |
| Cash dividends to net income (ytd only)* | 29.4800% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,076 |
| Loan loss allowance to noncurrent loans | 84.7354% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 1,092 |
| Noncurrent loans to loans | 1.5082% | 1,000 |
| Net loans and leases to total assets | 76.6686% | 1,364 |
| Net loans and leases to deposits | 88.8052% | 1,833 |
| Net loans and leases to core deposits | 96.8966% | 1,918 |
| Total domestic deposits to total assets | 86.3334% | 1,854 |
| Equity capital to assets | 12.0953% | 2,185 |
| Core capital (leverage) ratio | 10.7265% | 2,912 |
| Tier 1 risk-based capital ratio | 12.4658% | 4,166 |
| Total risk-based capital ratio | 13.6637% | 4,073 |
| Memoranda: | ||
| Average total assets | $996,995,250 | 786 |
| Average earning assets | $918,647,250 | 781 |
| Average equity | $119,527,750 | 759 |
| Average total loans | $784,946,750 | 728 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8279% | 324 |
| Cost of funding earning assets | 1.1135% | 1,248 |
| Net interest margin | 4.7144% | 480 |
| Noninterest income to average assets | 1.1174% | 680 |
| Noninterest expense to average assets | 3.5731% | 879 |
| Loan and lease loss provision to assets | 0.1771% | 1,013 |
| Net operating income to assets | 1.3020% | 1,763 |
| Return on assets (ROA) | 1.3020% | 1,828 |
| Pretax return on assets | 1.7136% | 1,245 |
| Return on Equity (ROE) | 10.8935% | 2,019 |
| Retained earnings to average equity (ytd only) | 7.7613% | 1,491 |
| Net charge-offs to loans | 0.1471% | 1,056 |
| Credit loss provision to net charge-offs | 152.1739% | 1,471 |
| Earnings coverage of net charge-offs (x) | 16.2487% | 1,939 |
| Efficiency ratio | 62.9667% | 3,291 |
| Assets per employee ($millions) | 5.6157% | 1,857 |
| Cash dividends to net income (ytd only)* | 28.7535% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,287 |
| Loan loss allowance to noncurrent loans | 144.6080% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 2,021 |
| Noncurrent loans to loans | 0.8600% | 1,886 |
| Net loans and leases to total assets | 77.9569% | 1,230 |
| Net loans and leases to deposits | 90.2804% | 1,709 |
| Net loans and leases to core deposits | 98.1753% | 1,878 |
| Total domestic deposits to total assets | 86.3498% | 1,873 |
| Equity capital to assets | 11.9751% | 2,200 |
| Core capital (leverage) ratio | 10.7460% | 2,842 |
| Tier 1 risk-based capital ratio | 12.2984% | 4,241 |
| Total risk-based capital ratio | 13.4885% | 4,145 |
| Memoranda: | ||
| Average total assets | $988,324,330 | 787 |
| Average earning assets | $911,167,330 | 786 |
| Average equity | $118,125,000 | 759 |
| Average total loans | $781,769,330 | 731 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8215% | 302 |
| Cost of funding earning assets | 1.1121% | 1,146 |
| Net interest margin | 4.7094% | 485 |
| Noninterest income to average assets | 0.9977% | 815 |
| Noninterest expense to average assets | 3.5776% | 869 |
| Loan and lease loss provision to assets | 0.1535% | 1,089 |
| Net operating income to assets | 1.2085% | 2,024 |
| Return on assets (ROA) | 1.2085% | 2,074 |
| Pretax return on assets | 1.5868% | 1,506 |
| Return on Equity (ROE) | 10.1214% | 2,315 |
| Retained earnings to average equity (ytd only) | 7.2071% | 1,966 |
| Net charge-offs to loans | 0.2461% | 589 |
| Credit loss provision to net charge-offs | 78.7815% | 1,793 |
| Earnings coverage of net charge-offs (x) | 8.9307% | 2,061 |
| Efficiency ratio | 64.7498% | 3,124 |
| Assets per employee ($millions) | 5.2636% | 2,208 |
| Cash dividends to net income (ytd only)* | 28.7940% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 2,391 |
| Loan loss allowance to noncurrent loans | 142.7586% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 1,715 |
| Noncurrent loans to loans | 0.8671% | 1,907 |
| Net loans and leases to total assets | 78.0183% | 1,142 |
| Net loans and leases to deposits | 90.4366% | 1,576 |
| Net loans and leases to core deposits | 99.8054% | 1,642 |
| Total domestic deposits to total assets | 86.2685% | 2,153 |
| Equity capital to assets | 12.1113% | 1,957 |
| Core capital (leverage) ratio | 10.5682% | 2,975 |
| Tier 1 risk-based capital ratio | 12.3302% | 4,284 |
| Total risk-based capital ratio | 13.5083% | 4,186 |
| Memoranda: | ||
| Average total assets | $977,071,000 | 802 |
| Average earning assets | $896,330,500 | 803 |
| Average equity | $116,663,500 | 765 |
| Average total loans | $773,686,000 | 739 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0109% | 162 |
| Cost of funding earning assets | 0.8289% | 1,402 |
| Net interest margin | 5.1819% | 194 |
| Noninterest income to average assets | 1.1038% | 756 |
| Noninterest expense to average assets | 3.7727% | 713 |
| Loan and lease loss provision to assets | 0.1067% | 2,066 |
| Net operating income to assets | 1.5197% | 1,073 |
| Return on assets (ROA) | 1.5000% | 1,103 |
| Pretax return on assets | 1.9474% | 628 |
| Return on Equity (ROE) | 12.6543% | 1,484 |
| Retained earnings to average equity (ytd only) | 8.9404% | 884 |
| Net charge-offs to loans | 0.0653% | 2,188 |
| Credit loss provision to net charge-offs | 196.0552% | 1,471 |
| Earnings coverage of net charge-offs (x) | 38.1933% | 1,358 |
| Efficiency ratio | 62.0649% | 3,514 |
| Assets per employee ($millions) | 5.2993% | 2,147 |
| Cash dividends to net income (ytd only)* | 29.3486% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,369 |
| Loan loss allowance to noncurrent loans | 145.2309% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 1,706 |
| Noncurrent loans to loans | 0.8515% | 1,892 |
| Net loans and leases to total assets | 78.3895% | 1,202 |
| Net loans and leases to deposits | 90.5835% | 1,720 |
| Net loans and leases to core deposits | 99.6839% | 1,737 |
| Total domestic deposits to total assets | 86.5383% | 1,997 |
| Equity capital to assets | 11.7701% | 2,052 |
| Core capital (leverage) ratio | 10.5108% | 3,016 |
| Tier 1 risk-based capital ratio | 11.9400% | 4,465 |
| Total risk-based capital ratio | 13.1227% | 4,398 |
| Memoranda: | ||
| Average total assets | $931,358,000 | 817 |
| Average earning assets | $853,369,000 | 825 |
| Average equity | $110,397,400 | 776 |
| Average total loans | $776,700,800 | 717 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9871% | 154 |
| Cost of funding earning assets | 0.7608% | 1,530 |
| Net interest margin | 5.2263% | 173 |
| Noninterest income to average assets | 1.1119% | 761 |
| Noninterest expense to average assets | 3.7240% | 736 |
| Loan and lease loss provision to assets | 0.1043% | 1,927 |
| Net operating income to assets | 1.5818% | 994 |
| Return on assets (ROA) | 1.5818% | 998 |
| Pretax return on assets | 2.0807% | 509 |
| Return on Equity (ROE) | 13.3197% | 1,322 |
| Retained earnings to average equity (ytd only) | 9.4107% | 1,073 |
| Net charge-offs to loans | 0.0520% | 2,084 |
| Credit loss provision to net charge-offs | 237.2937% | 1,224 |
| Earnings coverage of net charge-offs (x) | 49.7095% | 1,179 |
| Efficiency ratio | 60.6093% | 3,723 |
| Assets per employee ($millions) | 5.1816% | 2,243 |
| Cash dividends to net income (ytd only)* | 29.3470% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,530 |
| Loan loss allowance to noncurrent loans | 151.5950% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 1,765 |
| Noncurrent loans to loans | 0.8028% | 2,105 |
| Net loans and leases to total assets | 84.5339% | 396 |
| Net loans and leases to deposits | 98.6035% | 901 |
| Net loans and leases to core deposits | 107.7434% | 1,187 |
| Total domestic deposits to total assets | 85.7311% | 2,311 |
| Equity capital to assets | 12.3004% | 1,697 |
| Core capital (leverage) ratio | 10.5544% | 3,028 |
| Tier 1 risk-based capital ratio | 11.7431% | 4,635 |
| Total risk-based capital ratio | 12.9290% | 4,575 |
| Memoranda: | ||
| Average total assets | $919,105,250 | 826 |
| Average earning assets | $843,609,750 | 834 |
| Average equity | $109,149,250 | 781 |
| Average total loans | $776,343,750 | 715 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8690% | 174 |
| Cost of funding earning assets | 0.6814% | 1,731 |
| Net interest margin | 5.1876% | 171 |
| Noninterest income to average assets | 1.1094% | 780 |
| Noninterest expense to average assets | 3.6842% | 780 |
| Loan and lease loss provision to assets | 0.1205% | 1,636 |
| Net operating income to assets | 1.5674% | 996 |
| Return on assets (ROA) | 1.5674% | 1,004 |
| Pretax return on assets | 2.0610% | 525 |
| Return on Equity (ROE) | 13.3571% | 1,251 |
| Retained earnings to average equity (ytd only) | 9.4656% | 1,081 |
| Net charge-offs to loans | 0.0489% | 1,909 |
| Credit loss provision to net charge-offs | 293.1217% | 1,017 |
| Earnings coverage of net charge-offs (x) | 53.0794% | 1,085 |
| Efficiency ratio | 60.3818% | 3,885 |
| Assets per employee ($millions) | 5.0974% | 2,293 |
| Cash dividends to net income (ytd only)* | 29.1343% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,666 |
| Loan loss allowance to noncurrent loans | 856.7178% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 3,676 |
| Noncurrent loans to loans | 0.1410% | 4,266 |
| Net loans and leases to total assets | 83.3249% | 540 |
| Net loans and leases to deposits | 96.1864% | 1,116 |
| Net loans and leases to core deposits | 103.6527% | 1,422 |
| Total domestic deposits to total assets | 86.6286% | 2,005 |
| Equity capital to assets | 11.8269% | 1,974 |
| Core capital (leverage) ratio | 10.2118% | 3,350 |
| Tier 1 risk-based capital ratio | 11.3684% | 4,857 |
| Total risk-based capital ratio | 12.5478% | 4,797 |
| Memoranda: | ||
| Average total assets | $919,758,330 | 831 |
| Average earning assets | $843,277,670 | 836 |
| Average equity | $107,928,000 | 790 |
| Average total loans | $773,508,000 | 720 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7438% | 201 |
| Cost of funding earning assets | 0.5888% | 2,124 |
| Net interest margin | 5.1550% | 173 |
| Noninterest income to average assets | 1.0267% | 865 |
| Noninterest expense to average assets | 3.6596% | 811 |
| Loan and lease loss provision to assets | 0.1314% | 1,441 |
| Net operating income to assets | 1.4923% | 1,098 |
| Return on assets (ROA) | 1.4923% | 1,104 |
| Pretax return on assets | 1.9601% | 632 |
| Return on Equity (ROE) | 12.7687% | 1,327 |
| Retained earnings to average equity (ytd only) | 9.0209% | 1,452 |
| Net charge-offs to loans | 0.0292% | 1,915 |
| Credit loss provision to net charge-offs | 535.7143% | 558 |
| Earnings coverage of net charge-offs (x) | 85.2679% | 675 |
| Efficiency ratio | 61.1348% | 3,927 |
| Assets per employee ($millions) | 5.0235% | 2,464 |
| Cash dividends to net income (ytd only)* | 29.3513% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,704 |
| Loan loss allowance to noncurrent loans | 5,016.0428% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 4,155 |
| Noncurrent loans to loans | 0.0243% | 4,873 |
| Net loans and leases to total assets | 83.6715% | 473 |
| Net loans and leases to deposits | 99.3834% | 756 |
| Net loans and leases to core deposits | 110.8369% | 956 |
| Total domestic deposits to total assets | 84.1906% | 3,244 |
| Equity capital to assets | 11.8486% | 1,881 |
| Core capital (leverage) ratio | 10.0409% | 3,483 |
| Tier 1 risk-based capital ratio | 11.2109% | 5,021 |
| Total risk-based capital ratio | 12.3995% | 4,953 |
| Memoranda: | ||
| Average total assets | $913,221,000 | 842 |
| Average earning assets | $836,931,000 | 849 |
| Average equity | $106,729,500 | 794 |
| Average total loans | $766,870,500 | 721 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2920% | 370 |
| Cost of funding earning assets | 0.4781% | 2,519 |
| Net interest margin | 4.8139% | 348 |
| Noninterest income to average assets | 1.2205% | 704 |
| Noninterest expense to average assets | 3.5757% | 927 |
| Loan and lease loss provision to assets | 0.2225% | 889 |
| Net operating income to assets | 1.2666% | 1,307 |
| Return on assets (ROA) | 1.2656% | 1,335 |
| Pretax return on assets | 1.8386% | 716 |
| Return on Equity (ROE) | 11.3513% | 1,376 |
| Retained earnings to average equity (ytd only) | 11.3513% | 219 |
| Net charge-offs to loans | 0.0745% | 2,382 |
| Credit loss provision to net charge-offs | 372.3364% | 803 |
| Earnings coverage of net charge-offs (x) | 34.5215% | 1,395 |
| Efficiency ratio | 61.4193% | 4,029 |
| Assets per employee ($millions) | 5.0674% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,810 |
| Loan loss allowance to noncurrent loans | 41,527.2727% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 4,300 |
| Noncurrent loans to loans | 0.0029% | 5,053 |
| Net loans and leases to total assets | 82.2556% | 648 |
| Net loans and leases to deposits | 95.1693% | 1,160 |
| Net loans and leases to core deposits | 105.1513% | 1,335 |
| Total domestic deposits to total assets | 86.4309% | 2,261 |
| Equity capital to assets | 11.5271% | 2,184 |
| Core capital (leverage) ratio | 9.9492% | 3,518 |
| Tier 1 risk-based capital ratio | 10.8567% | 5,227 |
| Total risk-based capital ratio | 12.0005% | 5,166 |
| Memoranda: | ||
| Average total assets | $895,479,600 | 836 |
| Average earning assets | $821,783,600 | 836 |
| Average equity | $99,838,400 | 830 |
| Average total loans | $717,738,200 | 734 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 447 |
| Cost of funding earning assets | 0.4611% | 2,606 |
| Net interest margin | 4.6994% | 409 |
| Noninterest income to average assets | 1.2374% | 684 |
| Noninterest expense to average assets | 3.4799% | 1,027 |
| Loan and lease loss provision to assets | 0.2160% | 864 |
| Net operating income to assets | 1.1996% | 1,692 |
| Return on assets (ROA) | 1.1984% | 1,732 |
| Pretax return on assets | 1.8586% | 768 |
| Return on Equity (ROE) | 10.8435% | 1,760 |
| Retained earnings to average equity (ytd only) | 10.8435% | 435 |
| Net charge-offs to loans | 0.0481% | 2,472 |
| Credit loss provision to net charge-offs | 565.4902% | 564 |
| Earnings coverage of net charge-offs (x) | 54.3610% | 1,060 |
| Efficiency ratio | 60.7894% | 4,077 |
| Assets per employee ($millions) | 5.0659% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,954 |
| Loan loss allowance to noncurrent loans | 541.9315% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 4,292 |
| Noncurrent loans to loans | 0.2207% | 4,184 |
| Net loans and leases to total assets | 81.6864% | 744 |
| Net loans and leases to deposits | 95.6497% | 1,138 |
| Net loans and leases to core deposits | 102.8244% | 1,479 |
| Total domestic deposits to total assets | 85.4017% | 2,555 |
| Equity capital to assets | 11.4490% | 2,422 |
| Core capital (leverage) ratio | 9.9078% | 3,684 |
| Tier 1 risk-based capital ratio | 10.8230% | 5,336 |
| Total risk-based capital ratio | 11.9599% | 5,293 |
| Memoranda: | ||
| Average total assets | $890,051,250 | 846 |
| Average earning assets | $818,021,500 | 847 |
| Average equity | $98,366,500 | 843 |
| Average total loans | $706,278,000 | 740 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9532% | 607 |
| Cost of funding earning assets | 0.4387% | 2,711 |
| Net interest margin | 4.5144% | 551 |
| Noninterest income to average assets | 1.1700% | 743 |
| Noninterest expense to average assets | 3.4330% | 1,107 |
| Loan and lease loss provision to assets | 0.2696% | 590 |
| Net operating income to assets | 1.0441% | 2,236 |
| Return on assets (ROA) | 1.0423% | 2,280 |
| Pretax return on assets | 1.6113% | 1,310 |
| Return on Equity (ROE) | 9.5465% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.5465% | 694 |
| Net charge-offs to loans | 0.0717% | 1,915 |
| Credit loss provision to net charge-offs | 480.7229% | 683 |
| Earnings coverage of net charge-offs (x) | 33.5823% | 1,387 |
| Efficiency ratio | 63.0709% | 3,820 |
| Assets per employee ($millions) | 5.2207% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 3,186 |
| Loan loss allowance to noncurrent loans | 527.0006% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 4,356 |
| Noncurrent loans to loans | 0.2224% | 4,228 |
| Net loans and leases to total assets | 81.9604% | 669 |
| Net loans and leases to deposits | 97.6519% | 923 |
| Net loans and leases to core deposits | 105.3274% | 1,278 |
| Total domestic deposits to total assets | 83.9311% | 3,223 |
| Equity capital to assets | 11.1928% | 2,603 |
| Core capital (leverage) ratio | 9.6242% | 3,993 |
| Tier 1 risk-based capital ratio | 10.5175% | 5,451 |
| Total risk-based capital ratio | 11.6425% | 5,434 |
| Memoranda: | ||
| Average total assets | $887,849,000 | 856 |
| Average earning assets | $815,520,330 | 857 |
| Average equity | $96,936,000 | 856 |
| Average total loans | $694,599,330 | 753 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 767 |
| Cost of funding earning assets | 0.4060% | 2,935 |
| Net interest margin | 4.3826% | 656 |
| Noninterest income to average assets | 1.1549% | 755 |
| Noninterest expense to average assets | 3.3481% | 1,292 |
| Loan and lease loss provision to assets | 0.1338% | 1,429 |
| Net operating income to assets | 1.0970% | 1,885 |
| Return on assets (ROA) | 1.0932% | 1,940 |
| Pretax return on assets | 1.6977% | 1,009 |
| Return on Equity (ROE) | 10.1404% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.1404% | 782 |
| Net charge-offs to loans | 0.0932% | 1,420 |
| Credit loss provision to net charge-offs | 189.1720% | 1,047 |
| Earnings coverage of net charge-offs (x) | 25.9809% | 1,322 |
| Efficiency ratio | 63.2905% | 3,943 |
| Assets per employee ($millions) | 5.3706% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,415 |
| Loan loss allowance to noncurrent loans | 629.5491% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 4,619 |
| Noncurrent loans to loans | 0.1826% | 4,466 |
| Net loans and leases to total assets | 75.8552% | 1,438 |
| Net loans and leases to deposits | 88.1383% | 1,778 |
| Net loans and leases to core deposits | 94.9118% | 1,902 |
| Total domestic deposits to total assets | 86.0638% | 2,638 |
| Equity capital to assets | 10.9455% | 2,690 |
| Core capital (leverage) ratio | 9.5756% | 4,029 |
| Tier 1 risk-based capital ratio | 11.3779% | 5,101 |
| Total risk-based capital ratio | 12.4752% | 5,085 |
| Memoranda: | ||
| Average total assets | $888,017,500 | 856 |
| Average earning assets | $816,686,500 | 855 |
| Average equity | $95,735,500 | 862 |
| Average total loans | $673,881,500 | 780 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2997% | 355 |
| Cost of funding earning assets | 0.4083% | 2,923 |
| Net interest margin | 4.8914% | 295 |
| Noninterest income to average assets | 1.3622% | 618 |
| Noninterest expense to average assets | 3.6171% | 989 |
| Loan and lease loss provision to assets | 0.3538% | 479 |
| Net operating income to assets | 1.2108% | 1,470 |
| Return on assets (ROA) | 1.2118% | 1,553 |
| Pretax return on assets | 1.8808% | 646 |
| Return on Equity (ROE) | 10.7367% | 1,677 |
| Retained earnings to average equity (ytd only) | 10.7367% | 332 |
| Net charge-offs to loans | 0.3131% | 874 |
| Credit loss provision to net charge-offs | 142.6835% | 1,927 |
| Earnings coverage of net charge-offs (x) | 9.0066% | 2,802 |
| Efficiency ratio | 60.9644% | 4,424 |
| Assets per employee ($millions) | 5.5968% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 3,431 |
| Loan loss allowance to noncurrent loans | 536.6177% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 4,605 |
| Noncurrent loans to loans | 0.2143% | 4,383 |
| Net loans and leases to total assets | 74.1752% | 1,823 |
| Net loans and leases to deposits | 85.7431% | 2,216 |
| Net loans and leases to core deposits | 92.2515% | 2,277 |
| Total domestic deposits to total assets | 86.5087% | 2,367 |
| Equity capital to assets | 10.6168% | 3,019 |
| Core capital (leverage) ratio | 10.0040% | 3,474 |
| Tier 1 risk-based capital ratio | 11.1830% | 5,236 |
| Total risk-based capital ratio | 12.2710% | 5,226 |
| Memoranda: | ||
| Average total assets | $796,581,000 | 909 |
| Average earning assets | $730,873,600 | 909 |
| Average equity | $89,906,400 | 889 |
| Average total loans | $630,778,000 | 791 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4247% | 284 |
| Cost of funding earning assets | 0.4101% | 2,928 |
| Net interest margin | 5.0145% | 246 |
| Noninterest income to average assets | 1.3777% | 624 |
| Noninterest expense to average assets | 3.6760% | 886 |
| Loan and lease loss provision to assets | 0.3612% | 434 |
| Net operating income to assets | 1.2487% | 1,456 |
| Return on assets (ROA) | 1.2487% | 1,567 |
| Pretax return on assets | 1.9384% | 649 |
| Return on Equity (ROE) | 10.8781% | 1,715 |
| Retained earnings to average equity (ytd only) | 10.8781% | 441 |
| Net charge-offs to loans | 0.3168% | 731 |
| Credit loss provision to net charge-offs | 141.8416% | 1,846 |
| Earnings coverage of net charge-offs (x) | 9.0298% | 2,714 |
| Efficiency ratio | 60.7774% | 4,429 |
| Assets per employee ($millions) | 5.3201% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 3,558 |
| Loan loss allowance to noncurrent loans | 464.7132% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 4,111 |
| Noncurrent loans to loans | 0.2468% | 4,382 |
| Net loans and leases to total assets | 79.4645% | 973 |
| Net loans and leases to deposits | 92.9313% | 1,378 |
| Net loans and leases to core deposits | 99.7499% | 1,660 |
| Total domestic deposits to total assets | 85.5089% | 2,601 |
| Equity capital to assets | 11.4433% | 2,558 |
| Core capital (leverage) ratio | 10.0459% | 3,510 |
| Tier 1 risk-based capital ratio | 11.1513% | 5,286 |
| Total risk-based capital ratio | 12.2403% | 5,288 |
| Memoranda: | ||
| Average total assets | $773,254,000 | 932 |
| Average earning assets | $709,014,000 | 942 |
| Average equity | $88,763,500 | 902 |
| Average total loans | $621,533,500 | 799 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3912% | 303 |
| Cost of funding earning assets | 0.4038% | 2,995 |
| Net interest margin | 4.9875% | 261 |
| Noninterest income to average assets | 1.2450% | 733 |
| Noninterest expense to average assets | 3.6191% | 982 |
| Loan and lease loss provision to assets | 0.3467% | 473 |
| Net operating income to assets | 1.1967% | 1,615 |
| Return on assets (ROA) | 1.1967% | 1,706 |
| Pretax return on assets | 1.8538% | 776 |
| Return on Equity (ROE) | 10.4130% | 1,881 |
| Retained earnings to average equity (ytd only) | 10.4130% | 524 |
| Net charge-offs to loans | 0.2618% | 920 |
| Credit loss provision to net charge-offs | 164.7940% | 1,499 |
| Earnings coverage of net charge-offs (x) | 10.4594% | 2,334 |
| Efficiency ratio | 61.6961% | 4,388 |
| Assets per employee ($millions) | 5.6899% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,699 |
| Loan loss allowance to noncurrent loans | 305.1867% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 4,041 |
| Noncurrent loans to loans | 0.3745% | 4,018 |
| Net loans and leases to total assets | 79.2929% | 1,019 |
| Net loans and leases to deposits | 92.4989% | 1,449 |
| Net loans and leases to core deposits | 99.0146% | 1,722 |
| Total domestic deposits to total assets | 85.7231% | 2,547 |
| Equity capital to assets | 11.1988% | 2,848 |
| Core capital (leverage) ratio | 10.0891% | 3,461 |
| Tier 1 risk-based capital ratio | 10.8191% | 5,516 |
| Total risk-based capital ratio | 11.9026% | 5,517 |
| Memoranda: | ||
| Average total assets | $761,455,670 | 942 |
| Average earning assets | $698,428,330 | 952 |
| Average equity | $87,506,000 | 913 |
| Average total loans | $612,030,330 | 811 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2018% | 416 |
| Cost of funding earning assets | 0.4077% | 2,987 |
| Net interest margin | 4.7941% | 362 |
| Noninterest income to average assets | 1.1557% | 824 |
| Noninterest expense to average assets | 3.5388% | 1,115 |
| Loan and lease loss provision to assets | 0.0135% | 3,514 |
| Net operating income to assets | 1.2836% | 1,298 |
| Return on assets (ROA) | 1.2836% | 1,384 |
| Pretax return on assets | 1.9891% | 582 |
| Return on Equity (ROE) | 11.0174% | 1,593 |
| Retained earnings to average equity (ytd only) | 11.0174% | 650 |
| Net charge-offs to loans | -0.0577% | 5,395 |
| Credit loss provision to net charge-offs | -29.0698% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8613% | 4,147 |
| Assets per employee ($millions) | 5.4320% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,729 |
| Loan loss allowance to noncurrent loans | 219.6333% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 3,671 |
| Noncurrent loans to loans | 0.5264% | 3,608 |
| Net loans and leases to total assets | 77.5490% | 1,156 |
| Net loans and leases to deposits | 90.5899% | 1,506 |
| Net loans and leases to core deposits | 97.1091% | 1,698 |
| Total domestic deposits to total assets | 85.6044% | 2,863 |
| Equity capital to assets | 11.4411% | 2,493 |
| Core capital (leverage) ratio | 10.2061% | 3,307 |
| Tier 1 risk-based capital ratio | 11.2809% | 5,354 |
| Total risk-based capital ratio | 12.3624% | 5,355 |
| Memoranda: | ||
| Average total assets | $741,043,000 | 974 |
| Average earning assets | $677,916,500 | 981 |
| Average equity | $86,336,000 | 921 |
| Average total loans | $596,292,000 | 824 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 633 |
| Cost of funding earning assets | 0.4427% | 2,710 |
| Net interest margin | 4.5554% | 598 |
| Noninterest income to average assets | 1.3199% | 693 |
| Noninterest expense to average assets | 3.3977% | 1,492 |
| Loan and lease loss provision to assets | 0.1038% | 2,251 |
| Net operating income to assets | 1.3063% | 1,253 |
| Return on assets (ROA) | 1.3165% | 1,279 |
| Pretax return on assets | 2.0286% | 507 |
| Return on Equity (ROE) | 11.9563% | 1,309 |
| Retained earnings to average equity (ytd only) | 11.9563% | 253 |
| Net charge-offs to loans | 0.0328% | 3,563 |
| Credit loss provision to net charge-offs | 414.2077% | 741 |
| Earnings coverage of net charge-offs (x) | 84.4645% | 667 |
| Efficiency ratio | 61.6156% | 4,672 |
| Assets per employee ($millions) | 5.4255% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 3,725 |
| Loan loss allowance to noncurrent loans | 6,573.0769% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 5,279 |
| Noncurrent loans to loans | 0.0176% | 5,452 |
| Net loans and leases to total assets | 81.6623% | 627 |
| Net loans and leases to deposits | 95.3390% | 1,083 |
| Net loans and leases to core deposits | 103.4762% | 1,258 |
| Total domestic deposits to total assets | 85.6547% | 2,784 |
| Equity capital to assets | 11.8747% | 2,049 |
| Core capital (leverage) ratio | 10.2288% | 3,226 |
| Tier 1 risk-based capital ratio | 11.2638% | 5,393 |
| Total risk-based capital ratio | 12.3579% | 5,370 |
| Memoranda: | ||
| Average total assets | $730,258,200 | 946 |
| Average earning assets | $672,390,200 | 949 |
| Average equity | $80,409,200 | 948 |
| Average total loans | $558,077,000 | 840 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 758 |
| Cost of funding earning assets | 0.4506% | 2,678 |
| Net interest margin | 4.4558% | 718 |
| Noninterest income to average assets | 1.3135% | 704 |
| Noninterest expense to average assets | 3.3339% | 1,614 |
| Loan and lease loss provision to assets | 0.0487% | 3,234 |
| Net operating income to assets | 1.3244% | 1,277 |
| Return on assets (ROA) | 1.3244% | 1,337 |
| Pretax return on assets | 2.0456% | 550 |
| Return on Equity (ROE) | 12.2629% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.2629% | 335 |
| Net charge-offs to loans | 0.0184% | 3,577 |
| Credit loss provision to net charge-offs | 352.6316% | 835 |
| Earnings coverage of net charge-offs (x) | 151.6591% | 464 |
| Efficiency ratio | 61.4180% | 4,659 |
| Assets per employee ($millions) | 5.6745% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 3,943 |
| Loan loss allowance to noncurrent loans | 2,453.6122% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 5,397 |
| Noncurrent loans to loans | 0.0468% | 5,433 |
| Net loans and leases to total assets | 76.5436% | 1,311 |
| Net loans and leases to deposits | 89.2844% | 1,739 |
| Net loans and leases to core deposits | 94.9813% | 1,979 |
| Total domestic deposits to total assets | 85.7300% | 2,677 |
| Equity capital to assets | 11.4271% | 2,556 |
| Core capital (leverage) ratio | 9.9443% | 3,716 |
| Tier 1 risk-based capital ratio | 11.2402% | 5,529 |
| Total risk-based capital ratio | 12.3077% | 5,524 |
| Memoranda: | ||
| Average total assets | $733,780,250 | 949 |
| Average earning assets | $677,600,250 | 950 |
| Average equity | $79,250,750 | 967 |
| Average total loans | $549,677,000 | 858 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 854 |
| Cost of funding earning assets | 0.4657% | 2,552 |
| Net interest margin | 4.3554% | 828 |
| Noninterest income to average assets | 1.2487% | 779 |
| Noninterest expense to average assets | 3.2939% | 1,723 |
| Loan and lease loss provision to assets | 0.0361% | 3,405 |
| Net operating income to assets | 1.2615% | 1,418 |
| Return on assets (ROA) | 1.2615% | 1,473 |
| Pretax return on assets | 1.9452% | 671 |
| Return on Equity (ROE) | 11.9075% | 1,395 |
| Retained earnings to average equity (ytd only) | 11.9075% | 403 |
| Net charge-offs to loans | 0.0213% | 3,246 |
| Credit loss provision to net charge-offs | 229.3103% | 1,110 |
| Earnings coverage of net charge-offs (x) | 125.7586% | 503 |
| Efficiency ratio | 62.4408% | 4,608 |
| Assets per employee ($millions) | 5.9870% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 4,100 |
| Loan loss allowance to noncurrent loans | 2,279.1367% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 5,522 |
| Noncurrent loans to loans | 0.0503% | 5,544 |
| Net loans and leases to total assets | 71.8722% | 2,008 |
| Net loans and leases to deposits | 82.6793% | 2,475 |
| Net loans and leases to core deposits | 87.7892% | 2,573 |
| Total domestic deposits to total assets | 86.9289% | 2,201 |
| Equity capital to assets | 10.5517% | 3,385 |
| Core capital (leverage) ratio | 9.0759% | 4,854 |
| Tier 1 risk-based capital ratio | 11.1828% | 5,624 |
| Total risk-based capital ratio | 12.2696% | 5,622 |
| Memoranda: | ||
| Average total assets | $736,259,670 | 947 |
| Average earning assets | $680,665,670 | 945 |
| Average equity | $78,001,000 | 982 |
| Average total loans | $545,429,000 | 863 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9135% | 681 |
| Cost of funding earning assets | 0.4903% | 2,378 |
| Net interest margin | 4.4231% | 698 |
| Noninterest income to average assets | 1.2587% | 721 |
| Noninterest expense to average assets | 3.3034% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3057% | 1,253 |
| Return on assets (ROA) | 1.3057% | 1,342 |
| Pretax return on assets | 2.0160% | 569 |
| Return on Equity (ROE) | 12.2986% | 1,269 |
| Retained earnings to average equity (ytd only) | 12.2986% | 531 |
| Net charge-offs to loans | 0.0185% | 2,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 146.0000% | 362 |
| Efficiency ratio | 62.1015% | 4,777 |
| Assets per employee ($millions) | 5.7378% | 1,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 4,181 |
| Loan loss allowance to noncurrent loans | 2,099.6633% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 5,488 |
| Noncurrent loans to loans | 0.0554% | 5,554 |
| Net loans and leases to total assets | 70.4845% | 2,073 |
| Net loans and leases to deposits | 81.0266% | 2,447 |
| Net loans and leases to core deposits | 86.0935% | 2,538 |
| Total domestic deposits to total assets | 86.9893% | 2,373 |
| Equity capital to assets | 10.3992% | 3,650 |
| Core capital (leverage) ratio | 9.0333% | 4,909 |
| Tier 1 risk-based capital ratio | 11.1667% | 5,726 |
| Total risk-based capital ratio | 12.2755% | 5,730 |
| Memoranda: | ||
| Average total assets | $724,214,000 | 955 |
| Average earning assets | $664,867,000 | 971 |
| Average equity | $76,886,500 | 994 |
| Average total loans | $541,735,000 | 866 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5030% | 310 |
| Cost of funding earning assets | 0.5007% | 2,674 |
| Net interest margin | 5.0023% | 301 |
| Noninterest income to average assets | 1.2858% | 737 |
| Noninterest expense to average assets | 3.6275% | 1,256 |
| Loan and lease loss provision to assets | 0.0858% | 2,754 |
| Net operating income to assets | 1.3651% | 1,151 |
| Return on assets (ROA) | 1.3651% | 1,194 |
| Pretax return on assets | 2.0953% | 416 |
| Return on Equity (ROE) | 11.9209% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.9209% | 307 |
| Net charge-offs to loans | -0.0243% | 5,742 |
| Credit loss provision to net charge-offs | -436.0656% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1395% | 4,891 |
| Assets per employee ($millions) | 5.4436% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 4,320 |
| Loan loss allowance to noncurrent loans | 2,318.8889% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 5,549 |
| Noncurrent loans to loans | 0.0493% | 5,685 |
| Net loans and leases to total assets | 77.6684% | 1,042 |
| Net loans and leases to deposits | 89.6016% | 1,554 |
| Net loans and leases to core deposits | 95.4288% | 1,770 |
| Total domestic deposits to total assets | 86.6819% | 2,466 |
| Equity capital to assets | 10.8510% | 3,059 |
| Core capital (leverage) ratio | 9.6917% | 3,978 |
| Tier 1 risk-based capital ratio | 10.4037% | 6,138 |
| Total risk-based capital ratio | 11.4841% | 6,141 |
| Memoranda: | ||
| Average total assets | $620,230,600 | 1,073 |
| Average earning assets | $560,783,200 | 1,083 |
| Average equity | $71,026,800 | 1,035 |
| Average total loans | $502,210,600 | 890 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5799% | 282 |
| Cost of funding earning assets | 0.5220% | 2,550 |
| Net interest margin | 5.0580% | 264 |
| Noninterest income to average assets | 1.2827% | 742 |
| Noninterest expense to average assets | 3.6730% | 1,164 |
| Loan and lease loss provision to assets | 0.0592% | 3,180 |
| Net operating income to assets | 1.3750% | 1,184 |
| Return on assets (ROA) | 1.3750% | 1,227 |
| Pretax return on assets | 2.1072% | 448 |
| Return on Equity (ROE) | 11.8273% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.8273% | 429 |
| Net charge-offs to loans | -0.0320% | 5,760 |
| Credit loss provision to net charge-offs | -226.2712% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4744% | 4,815 |
| Assets per employee ($millions) | 5.1131% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 4,474 |
| Loan loss allowance to noncurrent loans | 2,295.7854% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 5,588 |
| Noncurrent loans to loans | 0.0503% | 5,812 |
| Net loans and leases to total assets | 82.2141% | 492 |
| Net loans and leases to deposits | 100.3222% | 594 |
| Net loans and leases to core deposits | 108.1954% | 838 |
| Total domestic deposits to total assets | 81.9501% | 4,496 |
| Equity capital to assets | 11.7465% | 2,266 |
| Core capital (leverage) ratio | 9.7253% | 4,038 |
| Tier 1 risk-based capital ratio | 10.5345% | 6,200 |
| Total risk-based capital ratio | 11.6245% | 6,204 |
| Memoranda: | ||
| Average total assets | $601,094,500 | 1,110 |
| Average earning assets | $541,522,250 | 1,123 |
| Average equity | $69,881,750 | 1,052 |
| Average total loans | $490,904,500 | 914 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5003% | 306 |
| Cost of funding earning assets | 0.5438% | 2,399 |
| Net interest margin | 4.9565% | 306 |
| Noninterest income to average assets | 1.2222% | 783 |
| Noninterest expense to average assets | 3.6554% | 1,202 |
| Loan and lease loss provision to assets | 0.0337% | 3,614 |
| Net operating income to assets | 1.3004% | 1,310 |
| Return on assets (ROA) | 1.3004% | 1,354 |
| Pretax return on assets | 1.9861% | 574 |
| Return on Equity (ROE) | 11.2261% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.2261% | 506 |
| Net charge-offs to loans | 0.0141% | 3,955 |
| Credit loss provision to net charge-offs | 294.1176% | 873 |
| Earnings coverage of net charge-offs (x) | 176.2941% | 357 |
| Efficiency ratio | 63.7454% | 4,732 |
| Assets per employee ($millions) | 5.0302% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 4,716 |
| Loan loss allowance to noncurrent loans | 1,286.3946% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 5,549 |
| Noncurrent loans to loans | 0.0885% | 5,748 |
| Net loans and leases to total assets | 81.5698% | 512 |
| Net loans and leases to deposits | 98.4811% | 634 |
| Net loans and leases to core deposits | 105.9461% | 900 |
| Total domestic deposits to total assets | 82.8279% | 4,374 |
| Equity capital to assets | 11.7496% | 2,204 |
| Core capital (leverage) ratio | 9.4901% | 4,347 |
| Tier 1 risk-based capital ratio | 10.4251% | 6,270 |
| Total risk-based capital ratio | 11.4913% | 6,283 |
| Memoranda: | ||
| Average total assets | $593,525,000 | 1,122 |
| Average earning assets | $533,239,000 | 1,142 |
| Average equity | $68,750,670 | 1,063 |
| Average total loans | $481,590,670 | 927 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 411 |
| Cost of funding earning assets | 0.5565% | 2,376 |
| Net interest margin | 4.7398% | 430 |
| Noninterest income to average assets | 1.1712% | 814 |
| Noninterest expense to average assets | 3.6562% | 1,199 |
| Loan and lease loss provision to assets | 0.0680% | 2,766 |
| Net operating income to assets | 1.1168% | 1,746 |
| Return on assets (ROA) | 1.1168% | 1,809 |
| Pretax return on assets | 1.7020% | 973 |
| Return on Equity (ROE) | 9.7126% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.7126% | 1,043 |
| Net charge-offs to loans | -0.0093% | 5,027 |
| Credit loss provision to net charge-offs | -909.0909% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9777% | 4,531 |
| Assets per employee ($millions) | 5.0151% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 4,699 |
| Loan loss allowance to noncurrent loans | 853.4328% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 5,415 |
| Noncurrent loans to loans | 0.1391% | 5,686 |
| Net loans and leases to total assets | 79.7758% | 574 |
| Net loans and leases to deposits | 93.3407% | 846 |
| Net loans and leases to core deposits | 97.3494% | 1,288 |
| Total domestic deposits to total assets | 85.4674% | 3,635 |
| Equity capital to assets | 11.4862% | 2,263 |
| Core capital (leverage) ratio | 9.5539% | 4,205 |
| Tier 1 risk-based capital ratio | 10.2448% | 6,410 |
| Total risk-based capital ratio | 11.3471% | 6,417 |
| Memoranda: | ||
| Average total assets | $588,476,000 | 1,138 |
| Average earning assets | $528,297,000 | 1,161 |
| Average equity | $67,664,500 | 1,084 |
| Average total loans | $473,362,500 | 940 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5808% | 320 |
| Cost of funding earning assets | 0.6227% | 2,454 |
| Net interest margin | 4.9580% | 326 |
| Noninterest income to average assets | 1.4177% | 699 |
| Noninterest expense to average assets | 3.7054% | 1,279 |
| Loan and lease loss provision to assets | 0.1142% | 2,906 |
| Net operating income to assets | 1.3280% | 1,183 |
| Return on assets (ROA) | 1.3371% | 1,203 |
| Pretax return on assets | 2.0361% | 442 |
| Return on Equity (ROE) | 11.7433% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.7433% | 337 |
| Net charge-offs to loans | -0.0225% | 6,163 |
| Credit loss provision to net charge-offs | -641.4141% | 6,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0494% | 5,205 |
| Assets per employee ($millions) | 5.0013% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 4,628 |
| Loan loss allowance to noncurrent loans | 795.3191% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 5,453 |
| Noncurrent loans to loans | 0.1516% | 5,742 |
| Net loans and leases to total assets | 79.1685% | 686 |
| Net loans and leases to deposits | 92.7592% | 982 |
| Net loans and leases to core deposits | 97.0234% | 1,382 |
| Total domestic deposits to total assets | 85.3484% | 3,575 |
| Equity capital to assets | 11.5107% | 2,158 |
| Core capital (leverage) ratio | 9.4198% | 4,383 |
| Tier 1 risk-based capital ratio | 10.3425% | 6,417 |
| Total risk-based capital ratio | 11.4734% | 6,409 |
| Memoranda: | ||
| Average total assets | $556,112,000 | 1,188 |
| Average earning assets | $496,223,400 | 1,227 |
| Average equity | $63,321,400 | 1,130 |
| Average total loans | $439,120,000 | 976 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6222% | 308 |
| Cost of funding earning assets | 0.6376% | 2,475 |
| Net interest margin | 4.9846% | 325 |
| Noninterest income to average assets | 1.4794% | 676 |
| Noninterest expense to average assets | 3.7010% | 1,244 |
| Loan and lease loss provision to assets | 0.1236% | 2,745 |
| Net operating income to assets | 1.3745% | 1,163 |
| Return on assets (ROA) | 1.3869% | 1,179 |
| Pretax return on assets | 2.1113% | 463 |
| Return on Equity (ROE) | 12.2151% | 1,414 |
| Retained earnings to average equity (ytd only) | 12.2151% | 398 |
| Net charge-offs to loans | -0.0367% | 6,216 |
| Credit loss provision to net charge-offs | -428.5714% | 6,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1698% | 5,247 |
| Assets per employee ($millions) | 5.0975% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 4,738 |
| Loan loss allowance to noncurrent loans | 630.2405% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 5,491 |
| Noncurrent loans to loans | 0.1952% | 5,752 |
| Net loans and leases to total assets | 78.7686% | 673 |
| Net loans and leases to deposits | 95.7630% | 708 |
| Net loans and leases to core deposits | 100.3260% | 1,091 |
| Total domestic deposits to total assets | 82.2537% | 4,848 |
| Equity capital to assets | 11.6228% | 2,196 |
| Core capital (leverage) ratio | 9.0456% | 5,058 |
| Tier 1 risk-based capital ratio | 10.3180% | 6,503 |
| Total risk-based capital ratio | 11.4685% | 6,500 |
| Memoranda: | ||
| Average total assets | $550,101,000 | 1,217 |
| Average earning assets | $489,763,500 | 1,257 |
| Average equity | $62,456,750 | 1,161 |
| Average total loans | $432,673,000 | 987 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3821% | 458 |
| Cost of funding earning assets | 0.6555% | 2,449 |
| Net interest margin | 4.7266% | 485 |
| Noninterest income to average assets | 1.4805% | 721 |
| Noninterest expense to average assets | 3.6303% | 1,365 |
| Loan and lease loss provision to assets | 0.1866% | 2,024 |
| Net operating income to assets | 1.2376% | 1,493 |
| Return on assets (ROA) | 1.2562% | 1,537 |
| Pretax return on assets | 1.9028% | 748 |
| Return on Equity (ROE) | 11.1549% | 1,763 |
| Retained earnings to average equity (ytd only) | 11.1549% | 616 |
| Net charge-offs to loans | 0.0028% | 4,871 |
| Credit loss provision to net charge-offs | 8,500.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 938.8333% | 36 |
| Efficiency ratio | 62.3441% | 5,122 |
| Assets per employee ($millions) | 5.3894% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 5,046 |
| Loan loss allowance to noncurrent loans | 240.4741% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 4,830 |
| Noncurrent loans to loans | 0.4942% | 5,028 |
| Net loans and leases to total assets | 80.5349% | 485 |
| Net loans and leases to deposits | 99.4070% | 459 |
| Net loans and leases to core deposits | 104.3068% | 830 |
| Total domestic deposits to total assets | 81.0154% | 5,333 |
| Equity capital to assets | 11.3161% | 2,448 |
| Core capital (leverage) ratio | 8.8619% | 5,207 |
| Tier 1 risk-based capital ratio | 9.9572% | 6,643 |
| Total risk-based capital ratio | 11.1003% | 6,647 |
| Memoranda: | ||
| Average total assets | $546,559,330 | 1,231 |
| Average earning assets | $486,944,670 | 1,262 |
| Average equity | $61,551,670 | 1,185 |
| Average total loans | $427,838,000 | 991 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 618 |
| Cost of funding earning assets | 0.6829% | 2,364 |
| Net interest margin | 4.5016% | 681 |
| Noninterest income to average assets | 1.4922% | 696 |
| Noninterest expense to average assets | 3.6195% | 1,387 |
| Loan and lease loss provision to assets | 0.2766% | 1,273 |
| Net operating income to assets | 1.0666% | 1,973 |
| Return on assets (ROA) | 1.0666% | 2,086 |
| Pretax return on assets | 1.5977% | 1,310 |
| Return on Equity (ROE) | 9.4946% | 2,265 |
| Retained earnings to average equity (ytd only) | 9.4946% | 1,242 |
| Net charge-offs to loans | -0.0154% | 5,607 |
| Credit loss provision to net charge-offs | -2,343.7500% | 5,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3797% | 4,948 |
| Assets per employee ($millions) | 5.3872% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 4,994 |
| Loan loss allowance to noncurrent loans | 132.9293% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.8440% | 4,271 |
| Noncurrent loans to loans | 0.9335% | 4,267 |
| Net loans and leases to total assets | 76.2387% | 810 |
| Net loans and leases to deposits | 89.9590% | 969 |
| Net loans and leases to core deposits | 94.7666% | 1,286 |
| Total domestic deposits to total assets | 84.7483% | 4,159 |
| Equity capital to assets | 11.2126% | 2,722 |
| Core capital (leverage) ratio | 8.7873% | 5,208 |
| Tier 1 risk-based capital ratio | 9.9267% | 6,705 |
| Total risk-based capital ratio | 11.0974% | 6,700 |
| Memoranda: | ||
| Average total assets | $542,283,000 | 1,247 |
| Average earning assets | $482,050,000 | 1,287 |
| Average equity | $60,919,000 | 1,207 |
| Average total loans | $415,539,000 | 1,030 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 275 |
| Cost of funding earning assets | 0.9610% | 1,579 |
| Net interest margin | 5.0105% | 385 |
| Noninterest income to average assets | 1.6704% | 578 |
| Noninterest expense to average assets | 3.8633% | 1,147 |
| Loan and lease loss provision to assets | 0.2671% | 2,508 |
| Net operating income to assets | 1.2972% | 1,309 |
| Return on assets (ROA) | 1.3055% | 1,429 |
| Pretax return on assets | 1.9613% | 652 |
| Return on Equity (ROE) | 10.7431% | 1,893 |
| Retained earnings to average equity (ytd only) | 6.7082% | 1,713 |
| Net charge-offs to loans | 0.1754% | 3,974 |
| Credit loss provision to net charge-offs | 196.3190% | 1,328 |
| Earnings coverage of net charge-offs (x) | 16.2899% | 1,587 |
| Efficiency ratio | 62.0071% | 5,235 |
| Assets per employee ($millions) | 5.2977% | 1,900 |
| Cash dividends to net income (ytd only)* | 37.5579% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 5,125 |
| Loan loss allowance to noncurrent loans | 124.8847% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 4,321 |
| Noncurrent loans to loans | 0.9590% | 4,281 |
| Net loans and leases to total assets | 75.1326% | 1,029 |
| Net loans and leases to deposits | 88.7124% | 1,196 |
| Net loans and leases to core deposits | 93.6128% | 1,500 |
| Total domestic deposits to total assets | 84.6924% | 3,989 |
| Equity capital to assets | 11.2556% | 2,679 |
| Core capital (leverage) ratio | 8.6586% | 5,386 |
| Tier 1 risk-based capital ratio | 9.9181% | 6,721 |
| Total risk-based capital ratio | 11.0427% | 6,722 |
| Memoranda: | ||
| Average total assets | $479,282,400 | 1,383 |
| Average earning assets | $421,736,800 | 1,429 |
| Average equity | $58,242,000 | 1,218 |
| Average total loans | $371,715,400 | 1,124 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0842% | 255 |
| Cost of funding earning assets | 1.0073% | 1,514 |
| Net interest margin | 5.0768% | 354 |
| Noninterest income to average assets | 1.6398% | 562 |
| Noninterest expense to average assets | 3.8151% | 1,183 |
| Loan and lease loss provision to assets | 0.2880% | 2,269 |
| Net operating income to assets | 1.3408% | 1,349 |
| Return on assets (ROA) | 1.3521% | 1,467 |
| Pretax return on assets | 2.0171% | 681 |
| Return on Equity (ROE) | 10.8957% | 1,996 |
| Retained earnings to average equity (ytd only) | 5.4698% | 3,057 |
| Net charge-offs to loans | 0.1903% | 3,592 |
| Credit loss provision to net charge-offs | 194.0154% | 1,433 |
| Earnings coverage of net charge-offs (x) | 15.4170% | 1,761 |
| Efficiency ratio | 60.9314% | 5,327 |
| Assets per employee ($millions) | 4.9488% | 2,255 |
| Cash dividends to net income (ytd only)* | 49.7988% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 5,249 |
| Loan loss allowance to noncurrent loans | 131.0440% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 4,416 |
| Noncurrent loans to loans | 0.9211% | 4,595 |
| Net loans and leases to total assets | 79.0509% | 597 |
| Net loans and leases to deposits | 94.6240% | 742 |
| Net loans and leases to core deposits | 100.4391% | 1,090 |
| Total domestic deposits to total assets | 83.5421% | 4,415 |
| Equity capital to assets | 11.9999% | 2,258 |
| Core capital (leverage) ratio | 8.8913% | 5,207 |
| Tier 1 risk-based capital ratio | 9.8798% | 6,824 |
| Total risk-based capital ratio | 11.0137% | 6,841 |
| Memoranda: | ||
| Average total assets | $465,336,250 | 1,436 |
| Average earning assets | $409,116,250 | 1,492 |
| Average equity | $57,746,250 | 1,232 |
| Average total loans | $362,923,500 | 1,158 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0737% | 270 |
| Cost of funding earning assets | 1.0516% | 1,461 |
| Net interest margin | 5.0221% | 390 |
| Noninterest income to average assets | 1.5588% | 608 |
| Noninterest expense to average assets | 3.7717% | 1,261 |
| Loan and lease loss provision to assets | 0.1750% | 3,352 |
| Net operating income to assets | 1.3606% | 1,282 |
| Return on assets (ROA) | 1.3606% | 1,443 |
| Pretax return on assets | 2.0165% | 679 |
| Return on Equity (ROE) | 10.8366% | 2,052 |
| Retained earnings to average equity (ytd only) | 7.3522% | 1,932 |
| Net charge-offs to loans | 0.0187% | 5,151 |
| Credit loss provision to net charge-offs | 1,212.1212% | 268 |
| Earnings coverage of net charge-offs (x) | 151.7879% | 296 |
| Efficiency ratio | 61.6067% | 5,310 |
| Assets per employee ($millions) | 4.8491% | 2,360 |
| Cash dividends to net income (ytd only)* | 32.1543% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,281 |
| Loan loss allowance to noncurrent loans | 115.7050% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.1526% | 4,083 |
| Noncurrent loans to loans | 1.0527% | 4,413 |
| Net loans and leases to total assets | 77.9157% | 732 |
| Net loans and leases to deposits | 93.2629% | 832 |
| Net loans and leases to core deposits | 101.4068% | 1,009 |
| Total domestic deposits to total assets | 83.5442% | 4,512 |
| Equity capital to assets | 12.1880% | 2,011 |
| Core capital (leverage) ratio | 9.1059% | 4,755 |
| Tier 1 risk-based capital ratio | 9.8212% | 6,869 |
| Total risk-based capital ratio | 10.9323% | 6,882 |
| Memoranda: | ||
| Average total assets | $457,138,330 | 1,455 |
| Average earning assets | $400,905,670 | 1,524 |
| Average equity | $57,398,000 | 1,235 |
| Average total loans | $353,222,670 | 1,183 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9653% | 323 |
| Cost of funding earning assets | 1.0840% | 1,481 |
| Net interest margin | 4.8812% | 487 |
| Noninterest income to average assets | 1.3920% | 747 |
| Noninterest expense to average assets | 3.6636% | 1,440 |
| Loan and lease loss provision to assets | 0.2154% | 2,789 |
| Net operating income to assets | 1.2000% | 1,732 |
| Return on assets (ROA) | 1.2000% | 1,916 |
| Pretax return on assets | 1.7645% | 1,166 |
| Return on Equity (ROE) | 9.4085% | 2,634 |
| Retained earnings to average equity (ytd only) | 9.4085% | 1,438 |
| Net charge-offs to loans | 0.0987% | 3,547 |
| Credit loss provision to net charge-offs | 285.7143% | 1,025 |
| Earnings coverage of net charge-offs (x) | 26.2619% | 1,006 |
| Efficiency ratio | 63.1361% | 5,080 |
| Assets per employee ($millions) | 5.2346% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 5,448 |
| Loan loss allowance to noncurrent loans | 186.7261% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 1.1214% | 4,260 |
| Noncurrent loans to loans | 0.6465% | 5,349 |
| Net loans and leases to total assets | 75.3306% | 883 |
| Net loans and leases to deposits | 90.8858% | 884 |
| Net loans and leases to core deposits | 102.3400% | 848 |
| Total domestic deposits to total assets | 82.8849% | 4,979 |
| Equity capital to assets | 12.6275% | 1,646 |
| Core capital (leverage) ratio | 9.4803% | 4,081 |
| Tier 1 risk-based capital ratio | 10.3452% | 6,778 |
| Total risk-based capital ratio | 11.4353% | 6,831 |
| Memoranda: | ||
| Average total assets | $445,677,000 | 1,492 |
| Average earning assets | $388,180,500 | 1,564 |
| Average equity | $56,842,000 | 1,249 |
| Average total loans | $340,506,500 | 1,241 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0181% | 419 |
| Cost of funding earning assets | 1.2705% | 1,619 |
| Net interest margin | 4.7476% | 689 |
| Noninterest income to average assets | 1.0467% | 1,229 |
| Noninterest expense to average assets | 3.5211% | 1,934 |
| Loan and lease loss provision to assets | 0.0951% | 5,409 |
| Net operating income to assets | 1.0731% | 1,911 |
| Return on assets (ROA) | 1.0731% | 2,050 |
| Pretax return on assets | 1.5532% | 1,332 |
| Return on Equity (ROE) | 8.1609% | 2,824 |
| Retained earnings to average equity (ytd only) | 3.5147% | 3,719 |
| Net charge-offs to loans | 0.0316% | 6,008 |
| Credit loss provision to net charge-offs | 401.0101% | 572 |
| Earnings coverage of net charge-offs (x) | 69.4949% | 433 |
| Efficiency ratio | 66.0379% | 4,766 |
| Assets per employee ($millions) | 5.3820% | 1,754 |
| Cash dividends to net income (ytd only)* | 56.9324% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 5,344 |
| Loan loss allowance to noncurrent loans | 275.4949% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 4,672 |
| Noncurrent loans to loans | 0.4389% | 5,831 |
| Net loans and leases to total assets | 75.6340% | 1,001 |
| Net loans and leases to deposits | 91.4888% | 1,015 |
| Net loans and leases to core deposits | 103.0984% | 961 |
| Total domestic deposits to total assets | 82.6703% | 4,892 |
| Equity capital to assets | 12.8863% | 1,556 |
| Core capital (leverage) ratio | 9.3364% | 4,276 |
| Tier 1 risk-based capital ratio | 10.4340% | 6,712 |
| Total risk-based capital ratio | 11.5355% | 6,754 |
| Memoranda: | ||
| Average total assets | $417,394,600 | 1,559 |
| Average earning assets | $362,457,400 | 1,632 |
| Average equity | $54,883,600 | 1,236 |
| Average total loans | $313,099,000 | 1,356 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9351% | 524 |
| Cost of funding earning assets | 1.2915% | 1,758 |
| Net interest margin | 4.6436% | 862 |
| Noninterest income to average assets | 1.0621% | 1,190 |
| Noninterest expense to average assets | 3.4221% | 2,134 |
| Loan and lease loss provision to assets | 0.1244% | 4,875 |
| Net operating income to assets | 1.0734% | 2,066 |
| Return on assets (ROA) | 1.0734% | 2,209 |
| Pretax return on assets | 1.5528% | 1,507 |
| Return on Equity (ROE) | 8.1205% | 2,997 |
| Retained earnings to average equity (ytd only) | 3.4774% | 4,263 |
| Net charge-offs to loans | 0.0359% | 5,645 |
| Credit loss provision to net charge-offs | 463.8554% | 598 |
| Earnings coverage of net charge-offs (x) | 62.5564% | 530 |
| Efficiency ratio | 64.9753% | 4,898 |
| Assets per employee ($millions) | 5.2224% | 1,901 |
| Cash dividends to net income (ytd only)* | 57.1772% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,333 |
| Loan loss allowance to noncurrent loans | 239.4784% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 5,155 |
| Noncurrent loans to loans | 0.5149% | 5,819 |
| Net loans and leases to total assets | 75.5718% | 1,045 |
| Net loans and leases to deposits | 91.6567% | 1,041 |
| Net loans and leases to core deposits | 105.0359% | 918 |
| Total domestic deposits to total assets | 82.4510% | 4,898 |
| Equity capital to assets | 13.0015% | 1,613 |
| Core capital (leverage) ratio | 9.7161% | 3,820 |
| Tier 1 risk-based capital ratio | 10.4781% | 6,787 |
| Total risk-based capital ratio | 11.6066% | 6,823 |
| Memoranda: | ||
| Average total assets | $412,757,250 | 1,584 |
| Average earning assets | $358,851,750 | 1,653 |
| Average equity | $54,560,250 | 1,244 |
| Average total loans | $307,934,250 | 1,393 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8680% | 624 |
| Cost of funding earning assets | 1.3245% | 1,799 |
| Net interest margin | 4.5436% | 1,028 |
| Noninterest income to average assets | 1.0373% | 1,229 |
| Noninterest expense to average assets | 3.4029% | 2,249 |
| Loan and lease loss provision to assets | 0.0662% | 5,481 |
| Net operating income to assets | 1.0525% | 2,027 |
| Return on assets (ROA) | 1.0525% | 2,124 |
| Pretax return on assets | 1.5172% | 1,483 |
| Return on Equity (ROE) | 7.9169% | 2,978 |
| Retained earnings to average equity (ytd only) | 3.4879% | 4,031 |
| Net charge-offs to loans | 0.0040% | 5,829 |
| Credit loss provision to net charge-offs | 2,250.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 537.8333% | 61 |
| Efficiency ratio | 66.0401% | 4,866 |
| Assets per employee ($millions) | 5.2420% | 1,828 |
| Cash dividends to net income (ytd only)* | 55.9441% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 5,339 |
| Loan loss allowance to noncurrent loans | 208.6886% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 5,035 |
| Noncurrent loans to loans | 0.5966% | 5,730 |
| Net loans and leases to total assets | 73.1452% | 1,565 |
| Net loans and leases to deposits | 88.1674% | 1,472 |
| Net loans and leases to core deposits | 102.8335% | 1,126 |
| Total domestic deposits to total assets | 82.9618% | 4,770 |
| Equity capital to assets | 13.0534% | 1,493 |
| Core capital (leverage) ratio | 9.6510% | 3,733 |
| Tier 1 risk-based capital ratio | 10.8085% | 6,654 |
| Total risk-based capital ratio | 11.9438% | 6,699 |
| Memoranda: | ||
| Average total assets | $407,598,000 | 1,612 |
| Average earning assets | $354,258,000 | 1,690 |
| Average equity | $54,188,000 | 1,241 |
| Average total loans | $301,357,330 | 1,438 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8517% | 667 |
| Cost of funding earning assets | 1.3684% | 1,778 |
| Net interest margin | 4.4834% | 1,108 |
| Noninterest income to average assets | 0.9370% | 1,516 |
| Noninterest expense to average assets | 3.3895% | 2,308 |
| Loan and lease loss provision to assets | 0.0448% | 5,441 |
| Net operating income to assets | 0.9738% | 2,268 |
| Return on assets (ROA) | 0.9738% | 2,334 |
| Pretax return on assets | 1.3851% | 1,767 |
| Return on Equity (ROE) | 7.2563% | 3,266 |
| Retained earnings to average equity (ytd only) | 3.5466% | 4,061 |
| Net charge-offs to loans | -0.0027% | 6,189 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0165% | 4,649 |
| Assets per employee ($millions) | 4.9967% | 2,170 |
| Cash dividends to net income (ytd only)* | 51.1247% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 5,226 |
| Loan loss allowance to noncurrent loans | 216.4094% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 1.0976% | 4,727 |
| Noncurrent loans to loans | 0.5918% | 5,841 |
| Net loans and leases to total assets | 71.2071% | 1,882 |
| Net loans and leases to deposits | 86.1788% | 1,702 |
| Net loans and leases to core deposits | 100.0724% | 1,330 |
| Total domestic deposits to total assets | 82.6272% | 5,053 |
| Equity capital to assets | 13.2242% | 1,292 |
| Core capital (leverage) ratio | 9.6781% | 3,555 |
| Tier 1 risk-based capital ratio | 11.0124% | 6,504 |
| Total risk-based capital ratio | 12.1661% | 6,541 |
| Memoranda: | ||
| Average total assets | $401,715,500 | 1,647 |
| Average earning assets | $347,864,000 | 1,730 |
| Average equity | $53,911,500 | 1,240 |
| Average total loans | $296,730,500 | 1,481 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2072% | 552 |
| Cost of funding earning assets | 2.0014% | 607 |
| Net interest margin | 4.2058% | 2,162 |
| Noninterest income to average assets | 1.3060% | 860 |
| Noninterest expense to average assets | 3.6831% | 1,742 |
| Loan and lease loss provision to assets | 0.3023% | 4,389 |
| Net operating income to assets | 0.6622% | 3,382 |
| Return on assets (ROA) | 0.6622% | 3,524 |
| Pretax return on assets | 0.8922% | 3,317 |
| Return on Equity (ROE) | 4.7355% | 4,182 |
| Retained earnings to average equity (ytd only) | 2.5736% | 4,060 |
| Net charge-offs to loans | 0.3992% | 4,040 |
| Credit loss provision to net charge-offs | 97.9557% | 4,726 |
| Earnings coverage of net charge-offs (x) | 3.8705% | 3,154 |
| Efficiency ratio | 73.0894% | 3,580 |
| Assets per employee ($millions) | 5.1131% | 1,998 |
| Cash dividends to net income (ytd only)* | 45.6530% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 5,230 |
| Loan loss allowance to noncurrent loans | 235.8360% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 1.0587% | 4,887 |
| Noncurrent loans to loans | 0.5320% | 5,984 |
| Net loans and leases to total assets | 74.7219% | 1,539 |
| Net loans and leases to deposits | 91.3167% | 1,350 |
| Net loans and leases to core deposits | 107.1049% | 1,118 |
| Total domestic deposits to total assets | 81.8273% | 5,237 |
| Equity capital to assets | 13.6244% | 1,148 |
| Core capital (leverage) ratio | 9.6157% | 3,532 |
| Tier 1 risk-based capital ratio | 10.3512% | 6,790 |
| Total risk-based capital ratio | 11.4431% | 6,854 |
| Memoranda: | ||
| Average total assets | $380,387,400 | 1,725 |
| Average earning assets | $323,027,200 | 1,848 |
| Average equity | $53,194,000 | 1,259 |
| Average total loans | $294,080,000 | 1,525 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2775% | 531 |
| Cost of funding earning assets | 2.0931% | 550 |
| Net interest margin | 4.1845% | 2,272 |
| Noninterest income to average assets | 1.1704% | 1,016 |
| Noninterest expense to average assets | 3.6153% | 1,757 |
| Loan and lease loss provision to assets | 0.3359% | 3,919 |
| Net operating income to assets | 0.5767% | 3,974 |
| Return on assets (ROA) | 0.5767% | 4,136 |
| Pretax return on assets | 0.7574% | 4,058 |
| Return on Equity (ROE) | 4.0967% | 4,725 |
| Retained earnings to average equity (ytd only) | 2.2129% | 4,843 |
| Net charge-offs to loans | 0.3093% | 4,102 |
| Credit loss provision to net charge-offs | 139.7059% | 2,849 |
| Earnings coverage of net charge-offs (x) | 4.5471% | 3,006 |
| Efficiency ratio | 74.2565% | 3,279 |
| Assets per employee ($millions) | 4.9748% | 2,212 |
| Cash dividends to net income (ytd only)* | 45.9843% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3663% | 4,637 |
| Loan loss allowance to noncurrent loans | 194.4069% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 4,569 |
| Noncurrent loans to loans | 0.7028% | 5,803 |
| Net loans and leases to total assets | 76.9863% | 1,223 |
| Net loans and leases to deposits | 95.0585% | 1,092 |
| Net loans and leases to core deposits | 114.6982% | 808 |
| Total domestic deposits to total assets | 80.9883% | 5,367 |
| Equity capital to assets | 14.2138% | 1,109 |
| Core capital (leverage) ratio | 9.5048% | 3,894 |
| Tier 1 risk-based capital ratio | 10.5932% | 6,712 |
| Total risk-based capital ratio | 11.8230% | 6,709 |
| Memoranda: | ||
| Average total assets | $377,058,000 | 1,769 |
| Average earning assets | $318,821,750 | 1,890 |
| Average equity | $53,082,500 | 1,266 |
| Average total loans | $293,119,500 | 1,547 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2096% | 609 |
| Cost of funding earning assets | 2.1449% | 563 |
| Net interest margin | 4.0648% | 2,723 |
| Noninterest income to average assets | 1.0761% | 1,160 |
| Noninterest expense to average assets | 3.5714% | 1,853 |
| Loan and lease loss provision to assets | 0.2761% | 4,186 |
| Net operating income to assets | 0.5097% | 4,278 |
| Return on assets (ROA) | 0.5097% | 4,428 |
| Pretax return on assets | 0.6535% | 4,386 |
| Return on Equity (ROE) | 3.6320% | 4,951 |
| Retained earnings to average equity (ytd only) | 2.2133% | 4,743 |
| Net charge-offs to loans | 0.1771% | 4,549 |
| Credit loss provision to net charge-offs | 200.7722% | 1,952 |
| Earnings coverage of net charge-offs (x) | 6.7606% | 2,406 |
| Efficiency ratio | 76.7044% | 2,948 |
| Assets per employee ($millions) | 4.8229% | 2,417 |
| Cash dividends to net income (ytd only)* | 39.0625% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 4,793 |
| Loan loss allowance to noncurrent loans | 156.0512% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 1.2868% | 4,576 |
| Noncurrent loans to loans | 0.8482% | 5,570 |
| Net loans and leases to total assets | 78.7165% | 1,009 |
| Net loans and leases to deposits | 96.4729% | 1,007 |
| Net loans and leases to core deposits | 118.6395% | 744 |
| Total domestic deposits to total assets | 81.5944% | 5,152 |
| Equity capital to assets | 13.9816% | 1,161 |
| Core capital (leverage) ratio | 9.5649% | 3,724 |
| Tier 1 risk-based capital ratio | 10.4062% | 6,756 |
| Total risk-based capital ratio | 11.6297% | 6,770 |
| Memoranda: | ||
| Average total assets | $376,716,330 | 1,782 |
| Average earning assets | $317,410,670 | 1,914 |
| Average equity | $52,863,330 | 1,259 |
| Average total loans | $292,458,000 | 1,565 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0773% | 818 |
| Cost of funding earning assets | 2.1721% | 645 |
| Net interest margin | 3.9052% | 3,303 |
| Noninterest income to average assets | 0.9771% | 1,370 |
| Noninterest expense to average assets | 3.5817% | 1,782 |
| Loan and lease loss provision to assets | 0.3257% | 3,453 |
| Net operating income to assets | 0.3097% | 5,256 |
| Return on assets (ROA) | 0.3097% | 5,388 |
| Pretax return on assets | 0.3278% | 5,529 |
| Return on Equity (ROE) | 2.2028% | 5,676 |
| Retained earnings to average equity (ytd only) | 1.2533% | 5,315 |
| Net charge-offs to loans | 0.3432% | 3,040 |
| Credit loss provision to net charge-offs | 123.9837% | 2,829 |
| Earnings coverage of net charge-offs (x) | 2.4878% | 3,297 |
| Efficiency ratio | 81.7448% | 2,305 |
| Assets per employee ($millions) | 4.6700% | 2,687 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 4,768 |
| Loan loss allowance to noncurrent loans | 89.8425% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.8004% | 3,787 |
| Noncurrent loans to loans | 1.4818% | 4,520 |
| Net loans and leases to total assets | 77.7457% | 1,199 |
| Net loans and leases to deposits | 95.2902% | 1,192 |
| Net loans and leases to core deposits | 120.3713% | 771 |
| Total domestic deposits to total assets | 81.5883% | 5,236 |
| Equity capital to assets | 14.4986% | 1,004 |
| Core capital (leverage) ratio | 9.6846% | 3,538 |
| Tier 1 risk-based capital ratio | 10.7437% | 6,393 |
| Total risk-based capital ratio | 11.9662% | 6,413 |
| Memoranda: | ||
| Average total assets | $374,570,000 | 1,832 |
| Average earning assets | $312,508,000 | 1,997 |
| Average equity | $52,659,500 | 1,275 |
| Average total loans | $286,717,000 | 1,648 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0191% | 1,790 |
| Cost of funding earning assets | 2.4611% | 1,120 |
| Net interest margin | 3.5580% | 4,703 |
| Noninterest income to average assets | 1.0542% | 1,395 |
| Noninterest expense to average assets | 3.6783% | 1,958 |
| Loan and lease loss provision to assets | 0.3348% | 4,798 |
| Net operating income to assets | 0.1750% | 4,980 |
| Return on assets (ROA) | 0.2663% | 4,740 |
| Pretax return on assets | 0.1562% | 5,098 |
| Return on Equity (ROE) | 1.9365% | 4,935 |
| Retained earnings to average equity (ytd only) | 1.6959% | 3,900 |
| Net charge-offs to loans | 0.4798% | 3,864 |
| Credit loss provision to net charge-offs | 92.4708% | 5,919 |
| Earnings coverage of net charge-offs (x) | 1.1038% | 5,006 |
| Efficiency ratio | 87.2850% | 1,955 |
| Assets per employee ($millions) | 4.8110% | 2,466 |
| Cash dividends to net income (ytd only)* | 12.4254% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,681 |
| Loan loss allowance to noncurrent loans | 91.8457% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.6179% | 3,946 |
| Noncurrent loans to loans | 1.4301% | 4,533 |
| Net loans and leases to total assets | 73.4397% | 2,397 |
| Net loans and leases to deposits | 91.2571% | 2,004 |
| Net loans and leases to core deposits | 102.8895% | 3,701 |
| Total domestic deposits to total assets | 80.4756% | 5,527 |
| Equity capital to assets | 13.6423% | 1,266 |
| Core capital (leverage) ratio | 9.3192% | 3,948 |
| Tier 1 risk-based capital ratio | 10.3355% | 6,552 |
| Total risk-based capital ratio | 11.5068% | 6,602 |
| Memoranda: | ||
| Average total assets | $377,806,400 | 1,810 |
| Average earning assets | $321,079,400 | 1,940 |
| Average equity | $51,950,000 | 1,286 |
| Average total loans | $285,135,000 | 1,682 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9872% | 2,095 |
| Cost of funding earning assets | 2.4947% | 1,320 |
| Net interest margin | 3.4925% | 4,890 |
| Noninterest income to average assets | 1.2601% | 971 |
| Noninterest expense to average assets | 3.7673% | 1,663 |
| Loan and lease loss provision to assets | 0.3032% | 4,548 |
| Net operating income to assets | 0.2716% | 4,895 |
| Return on assets (ROA) | 0.2716% | 4,998 |
| Pretax return on assets | 0.1893% | 5,326 |
| Return on Equity (ROE) | 1.9712% | 5,169 |
| Retained earnings to average equity (ytd only) | 1.6496% | 4,390 |
| Net charge-offs to loans | 0.5107% | 3,175 |
| Credit loss provision to net charge-offs | 78.3685% | 5,802 |
| Earnings coverage of net charge-offs (x) | 1.2731% | 4,820 |
| Efficiency ratio | 85.6418% | 2,099 |
| Assets per employee ($millions) | 4.8994% | 2,268 |
| Cash dividends to net income (ytd only)* | 16.3183% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 4,680 |
| Loan loss allowance to noncurrent loans | 155.0855% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 1.3315% | 4,420 |
| Noncurrent loans to loans | 0.8194% | 5,660 |
| Net loans and leases to total assets | 74.7404% | 2,306 |
| Net loans and leases to deposits | 94.7163% | 1,763 |
| Net loans and leases to core deposits | 110.0693% | 3,230 |
| Total domestic deposits to total assets | 78.9097% | 5,834 |
| Equity capital to assets | 13.9144% | 1,336 |
| Core capital (leverage) ratio | 9.1323% | 4,443 |
| Tier 1 risk-based capital ratio | 10.0782% | 6,902 |
| Total risk-based capital ratio | 11.1954% | 6,983 |
| Memoranda: | ||
| Average total assets | $376,037,250 | 1,827 |
| Average earning assets | $322,971,250 | 1,946 |
| Average equity | $51,810,750 | 1,300 |
| Average total loans | $284,814,000 | 1,703 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9399% | 2,420 |
| Cost of funding earning assets | 2.5402% | 1,478 |
| Net interest margin | 3.3997% | 5,173 |
| Noninterest income to average assets | 1.3465% | 842 |
| Noninterest expense to average assets | 3.5753% | 2,138 |
| Loan and lease loss provision to assets | 0.4552% | 3,252 |
| Net operating income to assets | 0.3498% | 4,680 |
| Return on assets (ROA) | 0.3498% | 4,796 |
| Pretax return on assets | 0.2369% | 5,365 |
| Return on Equity (ROE) | 2.5473% | 5,082 |
| Retained earnings to average equity (ytd only) | 2.0627% | 4,194 |
| Net charge-offs to loans | 0.0907% | 5,278 |
| Credit loss provision to net charge-offs | 662.7907% | 702 |
| Earnings coverage of net charge-offs (x) | 10.0775% | 2,038 |
| Efficiency ratio | 80.9857% | 2,889 |
| Assets per employee ($millions) | 4.9465% | 2,148 |
| Cash dividends to net income (ytd only)* | 19.0259% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 2,757 |
| Loan loss allowance to noncurrent loans | 79.5116% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.9562% | 3,256 |
| Noncurrent loans to loans | 2.0088% | 3,508 |
| Net loans and leases to total assets | 74.2603% | 2,633 |
| Net loans and leases to deposits | 94.8155% | 1,974 |
| Net loans and leases to core deposits | 114.7971% | 2,828 |
| Total domestic deposits to total assets | 78.3208% | 5,991 |
| Equity capital to assets | 13.6071% | 1,458 |
| Core capital (leverage) ratio | 8.8864% | 4,806 |
| Tier 1 risk-based capital ratio | 9.6264% | 7,295 |
| Total risk-based capital ratio | 10.8777% | 7,246 |
| Memoranda: | ||
| Average total assets | $375,633,000 | 1,855 |
| Average earning assets | $322,732,670 | 1,968 |
| Average equity | $51,583,670 | 1,321 |
| Average total loans | $284,556,330 | 1,736 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9870% | 2,412 |
| Cost of funding earning assets | 2.5882% | 1,600 |
| Net interest margin | 3.3989% | 5,144 |
| Noninterest income to average assets | 1.2214% | 966 |
| Noninterest expense to average assets | 3.2353% | 2,841 |
| Loan and lease loss provision to assets | 0.9169% | 1,421 |
| Net operating income to assets | 0.3131% | 5,251 |
| Return on assets (ROA) | 0.3131% | 5,423 |
| Pretax return on assets | -0.0129% | 6,396 |
| Return on Equity (ROE) | 2.2696% | 5,679 |
| Retained earnings to average equity (ytd only) | 1.2980% | 5,117 |
| Net charge-offs to loans | 0.1427% | 3,818 |
| Credit loss provision to net charge-offs | 846.5347% | 719 |
| Earnings coverage of net charge-offs (x) | 8.3465% | 2,204 |
| Efficiency ratio | 75.2591% | 3,607 |
| Assets per employee ($millions) | 5.0509% | 2,015 |
| Cash dividends to net income (ytd only)* | 42.8082% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 2,431 |
| Loan loss allowance to noncurrent loans | 80.6671% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.9040% | 3,052 |
| Noncurrent loans to loans | 2.0113% | 3,247 |
| Net loans and leases to total assets | 72.9588% | 3,013 |
| Net loans and leases to deposits | 91.9449% | 2,613 |
| Net loans and leases to core deposits | 112.7017% | 3,142 |
| Total domestic deposits to total assets | 79.3506% | 5,588 |
| Equity capital to assets | 13.4525% | 1,550 |
| Core capital (leverage) ratio | 8.9929% | 4,725 |
| Tier 1 risk-based capital ratio | 9.7604% | 7,186 |
| Total risk-based capital ratio | 11.0126% | 7,092 |
| Memoranda: | ||
| Average total assets | $373,008,500 | 1,871 |
| Average earning assets | $320,224,500 | 1,982 |
| Average equity | $51,462,000 | 1,332 |
| Average total loans | $283,117,000 | 1,759 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1085% | 899 |
| Cost of funding earning assets | 3.0588% | 1,645 |
| Net interest margin | 4.0497% | 2,909 |
| Noninterest income to average assets | 0.6795% | 3,252 |
| Noninterest expense to average assets | 3.1182% | 3,627 |
| Loan and lease loss provision to assets | 0.7030% | 2,094 |
| Net operating income to assets | 0.1710% | 5,936 |
| Return on assets (ROA) | 0.0832% | 5,990 |
| Pretax return on assets | 0.1576% | 5,825 |
| Return on Equity (ROE) | 0.5733% | 6,047 |
| Retained earnings to average equity (ytd only) | 0.5733% | 4,897 |
| Net charge-offs to loans | 0.1665% | 4,535 |
| Credit loss provision to net charge-offs | 554.6875% | 792 |
| Earnings coverage of net charge-offs (x) | 7.8728% | 3,010 |
| Efficiency ratio | 72.6717% | 3,814 |
| Assets per employee ($millions) | 4.8286% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 3,347 |
| Loan loss allowance to noncurrent loans | 223.0237% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 4,554 |
| Noncurrent loans to loans | 0.6155% | 5,520 |
| Net loans and leases to total assets | 76.6769% | 2,455 |
| Net loans and leases to deposits | 97.9613% | 2,133 |
| Net loans and leases to core deposits | 119.1594% | 2,775 |
| Total domestic deposits to total assets | 78.2726% | 5,623 |
| Equity capital to assets | 14.1611% | 1,384 |
| Core capital (leverage) ratio | 9.2014% | 4,437 |
| Tier 1 risk-based capital ratio | 10.0827% | 6,641 |
| Total risk-based capital ratio | 11.3271% | 6,529 |
| Memoranda: | ||
| Average total assets | $353,471,800 | 1,892 |
| Average earning assets | $299,951,400 | 2,039 |
| Average equity | $51,283,000 | 1,314 |
| Average total loans | $269,093,600 | 1,778 |